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Restoring Comfort with Fast and Reliable Service

Microf is a relationship-based company that places top priority on the wants and needs of our customers. Currently, there are few major lenders providing flexible solutions to the HVAC industry and their consumers. Microf’s innovative rent-to-own strategy provides unmatched flexibility to consumers through limited declinations, quick response times, multiple payment options and extensive contract term choices. We pride ourselves on three core initiatives: Customer Focus, Ease of the Approval Process, and Flexible/Affordable Options.

Customer Focus

Microf’s team of  Relationship Managers specialize in assisting you with the restoration of your residential heating and cooling needs with a level of unparalleled customer care.

Easy Approval

Our Lease/Purchase solutions differ from traditional loans. We offer convenient contract terms with affordable monthly payment options. Call Microf at 855-MICROF1 to speak to a Relationship Manager directly who will help guide you through Microf’s approval process.

Flexible and Affordable Options

Microf currently offers hassle-free lease purchase options to a wide range of consumers:

  • Early Payoff Options
  • Referral Rebate
  • ACH Monthly Payment Discount
  • Multiple Term Options
HVAC Machine
HVAC System Touch User InterfaceSplit Air Conditioner

Find A Contractor


We have contractors all across the United States.
Click on the button below to use our contractor locator.

Locate A Contractor

Frequently Asked Questions


Start by completing and submitting an online application. Or, call Microf at 855-MICROF1 (1-855-642-7631) to apply by phone. Press 2 for Consumers and then Press 4 to Apply by Phone.
Approval can usually be given once the completed online application has been received with all supporting documents.
Call 855.642.7631 to speak with a Relationship Manager or Click Here to find Actively Enrolled Contractors in your area
Microf provides several affordable and flexible options to accommodate most budgets. Check out our Rental Purchase Agreement Payment Estimator *Remember that discounts may apply!
Microf does not use your FICO score to determine eligibility. Your FICO score is typically reported by large consumer reporting agencies such as Equifax, Experian, and TransUnion. Microf does use scoring models provided by other consumer reporting agencies and we do report positive/negative payment histories to them.
You can mail in your payment to Microf at P.O. Box 70085 | Albany, GA 31708.

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